Franklin County, FL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Franklin County scores at the 77.4th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.9 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Franklin County
42.7% of the homes FEMA requires to carry flood insurance in Franklin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 1,853 policies against 4,340 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 25.1% of all residential structures in Franklin County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Franklin County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Franklin County ranks 743 — 1 being the highest hazard nationally — and 2221 by population among all 3144 counties covered here, where 1 is the largest. Franklin County, Florida is home to about 12,979 people across 545.002 square miles of land.
Checking a specific address in Franklin County
1,984 of Franklin County's 7,893 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Franklin County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Franklin County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.